First State Bank Southwest
Pipestone, MN · Cert 9770 · Peer group: banks under $1B in assets in MN (n=111-113) · First STB SW Ksop PLAN&TR
State charter, Fed member · FED · 6 branches
Q2 2026
$409.9MAssets
$224.2MLoans
$350.8MDeposits
$27.3MEquity
Executive Summary
- Strongest standing: return on equity outperforms 78% of banks under $1B in assets in MN (rank 25 of 113).
- Widest gap: equity / assets trails 96% of banks under $1B in assets in MN (rank 108 of 113).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.96%
Rank 76 of 113
Net Interest Margin
2.88%
Rank 102 of 113
Efficiency Ratio
63.76%
Rank 66 of 113
Equity / Assets
6.65%
Rank 108 of 113
Non-interest income vs. expense
Unfavorable gap of $6.6M · efficiency ratio beats 42% of banks under $1B in assets in MN | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.96% | 0.87% | 1.20% | 1.41% | Beats 33% | 76 / 113 | | |
| Return on Equity | 14.49% | 8.92% | 11.27% | 13.99% | Beats 78% | 25 / 113 | | |
| Net Interest Margin | 2.88% | 3.42% | 3.88% | 4.31% | Beats 10% | 102 / 113 | | |
| Efficiency Ratio | 63.76% | 54.13% | 61.48% | 69.86% | Beats 42% | 66 / 113 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.71% | 0.09% | 0.58% | 1.82% | Beats 46% | 61 / 111 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.04% | Beats 58% | 48 / 111 | | |
| Capital |
| Tier 1 Capital Ratio | 16.28% | 11.53% | 13.31% | 18.13% | Beats 67% | 37 / 113 | | |
| Total Risk-Based Capital Ratio | 17.53% | 12.12% | 14.43% | 19.39% | Beats 68% | 36 / 113 | | |
| Equity / Assets | 6.65% | 8.52% | 10.10% | 11.94% | Beats 4% | 108 / 113 | | |
| Liquidity & Funding |
| Loans / Deposits | 63.90% | 62.08% | 77.32% | 88.06% | 28th pctl | 80 / 111 | | |
| Loans / Assets | 54.68% | 55.01% | 66.35% | 75.50% | 24th pctl | 86 / 113 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |